E-Catalog – The Most Cost-Effective Online Publication Tool For Your Business, Products Or Services

e-Catalog or electronic catalog is a digital catalog for a company or products which can be viewed on a computer or electronic device. Simply put, e-Catalogs are electronic pages which can be used for launching a new product, Event or Show Campaigns, Business Presentations, Digital Portfolio, Interactive Digital Product Manuals etc. It’s a digital web page on which images will be shown with rich graphics and text. It can also become a Virtual Showroom of all your products and services.

Many Top Notch Corporates & Business establishment has shifted from paper print Ads to electronic advertising. There are so many advantages of having an e-Catalog rather than a printed catalog. e-Catalogue helps your products to create and enhance brand-name recognition with a synchronized and consistent marketing at a cost-effective manner. This mode of online publicity is becoming the best way of advertising very soon. So, be the first one to take it’s multifold advantages.

To minimize advertising cost, smart business organizations integrates value conversion ability on the advertisement & publicity while promoting a product so that they can check whether those cost incurred brings value income or not. This method is 100% achievable only at online product promotion. There are so many ways of online product promotion.Among them, e-Catalog is the best because it’s dynamically programmed & built to return the value. If it doesn’t return the desired values, you have the advantages to stop it at any time and choose other means of product promotion.

Uses of e-Catalog are:

1) Product Catalogs

2) New Product Launchpad

3) Event or Show Notification.

4) Virtual Showroom

5) Online Store

6) Interactive Product Manuals

7) Company Profile

8) Online Portfolio

9) Company or Product or Service Presentation

10) Dynamic Online Advertisements.

The Biggest advantages are:

1) Powerful presentation of your product with eye catching rich text & graphics.

2) One can easily edit, modify or update at anytime with zero costs unlike real paper catalog which needs to be re-printed with additional costs.

3) You do not need to print millions of paper catalogs by spending huge amount of money to reach the entire global audience. For e-Catalogs, one page per product is enough for the millions of internet users.

4) Buyers have instant communication facility with the dynamic form in an e-Catalog.

5) Wider Reference and broader audience (the entire internet users of the world).

6) Accurate Value Conversion of your advertisement expenses.

7) No Need to be presented by a human sales representative who ask for commission or salary.

8) Even when you are sleeping, it’ll be selling your products by itself.

9) It can also be used to create a printed catalog using standard printing methods.

Source by [lakajira]

Is your Online Business Customer-Friendly?

Customer service is increasingly seen as one of the most valuable uses for a commercial World Wide Web site. Your Web site is available on a 24 hour, seven days a week basis. So it is well worth exploring ways in which your customers can virtually “serve themselves,” without the need for overtime staff, or lengthy voice mail procedures.

James Feldman is President of JFA, Inc., an online business offering high quality and unique gift items including automatic watch winders, Grundig shortwave pocket radios, and nitroglycerine pill fobs. The JFA Web site has been online since 1997, and has doubled its income every year – it’s now a multi-million dollar e-commerce enterprise.

Jim, who’s also a professional speaker and expert on customer service, highlighted for me how the online buying experience differs from the bricks-and-mortar model.

Buying online eliminates the physical presence and personality of the salesperson from the process. This makes the Web site copy critical in creating a one-to-one relationship with the customer or prospect.

Which echoes one of my favorite mantras:

Every page of your site should be written from the visitor’s point of view, not yours.

A visitor should be able to look at your offerings, and immediately answer the questions:

“Why me?” – that is, is your Web site the right place for me?

“Why should I care?” – does this copy convince me that you can meet my needs?

It’s much easier and immediate to jump from Web site to Web site than to move between real-world stores. So the visitor has far more freedom of choice online. Jim says that the challenge for customer service is therefore very clearly to focus on one customer, one purchase at a time. E-customers expect great service, with little or no direct interaction. They will tolerate some mistakes, but not many.

Jim offers five rules for effective online customer service:

1. Be accessible. Show very clearly on your site all the ways that your customer can contact you – including e-mail, phone and fax numbers, and your office hours.

And, if it’s practical for your business, be personal – give your visitors a real person to call who has a name, as opposed to sales @ mycompany.com

Of course, if you’re really upscale, you can include a “Call-me” button on your site.

2. Return every e-mail or phone call in the same day, as far as reasonably possible. This may sound simplistic, but a recent experiment with the top Fortune 100 companies showed that nearly a third failed to respond to e-mail sent through their Web site within one month! Some of these companies still don’t provide a usable e-mail address on their sites at all.

3. Acknowledge all orders. Send e-mail confirmations (this can be done very effectively with autoresponders), and if you’re shipping actual products, give tracking numbers and expected delivery dates.

4. Provide a clear return policy, honor it and learn from it. This may give you more information about what’s working and what’s not. Jim’s products are sometimes returned with no explanation, so his staff always call the customer to establish and resolve the problem.

5. Expect more phone calls. Jim says: “Customers can’t read or write!” If your Web site traffic and response rates grow (which is, of course, what we want), so will the volume of phone calls, whatever your business or industry.

Regardless of the site quality, clear returns and privacy policies, secure servers, etc., people still require human interaction. All of my clients report talking to customers on the phone, and walking them through the Web site, where their questions are clearly answered. Maybe these psychological barriers will lessen, but right now, they are very much there.

If you can get the customer service aspects of your business working well, there’ll be a definite bottom line impact. Jim is quite clear that his business has grown substantially through repeat business and referrals from satisfied customers.

And in contrast, we can see the impact of poor customer service and fulfillment procedures in many of the dot.coms that failed. Jim says that people buy things online in the expectation of getting something more valuable than the actual money they spend.

Does your Web site do this?

JFA Inc. can be found at http://www.jfainc.com

© 2002 Philippa Gamse. All rights reserved.

Source by [lakajira]

What Is Small Business Administration In A Nutshell?

Small Business Administration is an organization funded by the American government which provides loans to entrepreneurs and businessmen to set up their small businesses. In addition to that the organization also provides some grants and training for the efficient running of business. Another important feature is that they provide legal and administrative help in establishing a business to entrepreneurs who are likely to get entangled in the web of laws and taxes if they do not have proper guidance along the way.

They conduct various training for different sets of audiences like entrepreneurs, women business ownership and international trade.

The most used and availed service however is one of obtaining loans and grants for doing business. Apart from giving loans out themselves, Small Business Administration will also stand as surety for people and help them get loans from elsewhere. In the case of natural disasters the organization also provides members with grants so that they can ‘get going’ again and are able to face troubled times.

Small Business Administration also helps businesses in contracting and it ranges from Business Development, HUB Zone and Government contracting to name a few.

The organization also helps businesses to deal with Advocacy and law related matters.

How do I get in touch with the Small Business Administration?

You can get in touch with them by visiting their website and calling up their number and speaking with an associate their. Apart from this the site has also got a local office locater which you can use to track down the office that is closest to you and then call them up, make an appointment and meet them in person.

I need helping in understanding business better?

While Small Business Administration takes care of loans and helps out people who have been turned down at other places for money, they also deal with a whole host of educational material and training programs. These training programs are aimed at people who want to learn more about the different functions of business.

What can I learn using SBA:

You will find resources that will help you to learn about the basics in starting up your business, such as understanding what are the various forms of ownership, checklists, understanding how franchise works and also knowledge about product basics.

Planning is an important aspect and you will be guided on things like writing a business plan, understanding what business you are in and the ways in which you are going to use this plan.

Financing is probably the most important part for without it the business will not take off. You will need to know where to look for capital, how to estimate costs and understand financial statements.

Small Business Administration also deals with education about marketing and the various forms of keeping your customers happy, conducting research and doing competitive analysis.

Employees will make or break your company and any help on finding the right people, what to pay them and what is needed to retain them is welcome.

Legal aspects like licenses and permits and business laws need the understanding of an expert and you would definitely seek some guidance in this area.

Taxes like State Tax, local tax , Sales and Use tax not only form a big part of your cost structure. If not handled carefully, it could get you on the wrong side of the law as well. It is therefore imperative to seek the utmost clarity here.

As is seen above when you are going to do your own business there is a host of things that you need to take care of and Small Business Administration can help you there, over and above getting the money for you to start off. What is important to keep in mind is that most entrepreneurs and business men are most of the times busy just scampering for funds that they lose track of most of the other things that happen and because of that, one thing or the other will go wrong and they will unfortunately have to repent later.

If you are managing a small business chances are that it’s a one man show and apart from planning and strategizing you have to do the running around after suppliers and authorities to get the necessary approvals etc. In such cases it is best to leverage on the experience of an organization like the Small Business Administration.

Source by [lakajira]

How To Make Extra Money Every Month In Your Small Business

Would not it be nice if you could have extra money coming into your business or your household?

You could use it for extra cash flow, for employee bonuses – or you can just take it home for yourself.

The great news is that there are some opportunities in your business right now – that if you tap into them, you could be making an extra $ 3000 a month in your business.

Here are some areas in your business that you can leverage, and turn them into additional profit sources for you and your business.

1. Package your expertise.

In the course of your work you give very valuable advice to your clients. Why not put this advice in a report and sell it to your customers for a small price? E-books and reports are simple to put together (or you can outsource it) and easy to distribute.

2. Turn your service into a product.

Many of us provide services for our customers. Yet the system that we use to provide the outstanding service can be packaged and sold to our customers.

It could be an excel spread sheet you design for managing construction costs. Or a school curriculum for teachers. Or even a "how to" manual on how to start a business etc. If you can make people's life easier with a great system, they will pay for it.

3. Sell a part of your system – that you normally give away for free.

If you provide a service for customers in stages, you can charge for each stage. Instead of a free estimate you can charge for it. You can charge for a design. You can charge for an initial consultation. You can charge for an evaluation. If there is enough value there you can make more money off of it.

4. Sell your products online with an Ecommerce store.

If you have not started selling online. you are missing out on a great opportunity – and a whole lot more customers. The best part about selling online is that you can sell on a national scale and find more people who are desperate for your products. Also you can automate the process into a turn-key and passive stream of income.

5. Sell your products online to your competitors.

You may get great discounts from manufacturers because of your relationship with them. Well, why not sell your products online to other people in your industry? They will want to buy from you to get better deals than they are getting right now. This is also a great way to get rid of excess inventory.

6. Rentals.

Your assets are probably not used 24/7, which you could be making money leasing them out to someone else. You could lease your trucks, your space – even your employees. The idea is to maximize the full value you can get from all your assets – instead of collecting dust in a warehouse.

If you just try a few of these ideas – you will be bringing in some needed extra money for your and small business needs.

Source by [lakajira]

Business Plan: A Simple Approach

What is it?

A simple business plan will describe the internal and external environment of a company. Its aim is to inform internal and external stakeholders, individuals or groups of individuals internal or external to the company. Usually it will include information about the strategic position of the business, plans for the future, the management, products and services offered and the financial position of the business. In a few words it will give a detailed description of the business.

A simple business plan structure:

Executive summary: A short description of the whole business plan. Many stakeholders may read this part only, because of the lack of time or because they may not require a deep understanding of the business. For example consumers will not care about the financials of the business but will only care about the products and services. Thus, its best to use rich information based on the stakeholder the report will be given to.

Business description ion: An overall description of the business's history, the basic market sectors the business is part of, and what the business main products or services are.

Competitor analysis: Describes who the main competitors of the business are and how they can affect the business' performance.

Market analysis: Describes targeted consumers based on their demographics, geographic location and psychographics.

Marketing plan: How targeted consumers can be reached based on their demographics, geographic location and psychographics.

Management summary: Introduces people who hold the key management positions and shows their responsibilities and their prior business experience.

Financial Analysis: Shows whether the business is profitable, whether current operations are profitable and the current value of the business by providing a Profit and Loss, Cash Flow and Balance Sheet Account.

Why create a business plan?

Many stakeholders will require having a look at your business plan in order to initiate different actions that have to do with your business. For example, a bank will require checking the financial position of the business in order to assess whether a loan can be issued to the business. The bank needs to know if the business is able to survive in the future and then, receive all the loan payments. On the other hand, investors will need to consider whether the business will survive in the long run and then, provide a return on investment. The business plan can help investors determine whether the firm has a competitive advantage over competitors, whether its financials are healthy and whether the management is able to run the business successfully.

The Business plan should be created based on stakeholder preferences in order to make it easier for them to take fast decisions. If stakeholders find your business plan easy to read then the chances of receiving a positive reaction are increased. Imagine trying to find relevant information among a large pile of irrelevant information. The chances are that you will stop looking and reject the business. In Conclusion, the most important factor for a great business plan is to include rich information about the business that is related to the needs of the stakeholders.

Source by [lakajira]

How to Start Your Own Towing Service Business

You can be your own boss, and work for yourself, if you start your own towing service business, and keep it a one man job, or turn it into a fleet of towing vehicles. You can purchase a new, or used, tow truck, or you can also use a trailer, that you can pull behind your truck or SUV. A trailer gives you lots of room to add nice signs to your trailer, so that when you are out towing, customers can see you, and write down your number or website information

Most towing services, charge either, a onetime charge, or a hook up fee, and then a separate towing fee, per mile. You should check around, and call a few towing companies, to see how much they will charge you, to tow a vehicle from point A, to point B. After checking on multiple prices, you should be able to then, charge accordingly. You can advertise in local newspapers, and you should make up a flier, and pass them out to all the gas stations in the areas you would like to work in. Pass them out to local cab drivers, as they have lots of customers whose car might be broken down.

If someone's car breaks down, they usually head to the nearest gas station. Most gas stations of yesterday, where you could pull up to the pump, and a service attendant would come out, and pump your gas for you, check your oil, wash your windshield and even check the tire pressure and get you on your way, are long gone. These days, most gas stations seem to have just gas, and snack foods with quick marts attached to them. Sure, there are still wonderful old time gas stations out there, but most have disappeared into convenience gas stations.

If someone breaks down, and goes to the nearest gas station, the worker can give them your telephone number, if they have one of your fliers. The same holds true for cab drivers. When someone's car is out of commission, they may be using a taxi to get around temporarily. Usually when they are ready, they may need their auto towed to the dealer or mechanic, to finally get worked on. Rental car outlets also may boost you some new customers, if you send them some fliers also. When someone's car breaks down, they might need to rent a car, until their car is repaired, which might involve towing it, and they could call you, just as call anyone else!

If you can get, and obtain, city, or police pointing contracts, that would put you on your way to being a big towing company quickly. The police pull over autos every day, and many of the owners are arrested, or not allowed to drive there autos any longer. They call the towing company that the city has a contract with, and then they come in, and tow the auto back to their storage yard. The towing company makes excellent money, because they charge the customer a towing fee, and usually charge high storage fees, on a daily basis, for storing your auto, until you finally redeem it. Some people simply just never come and pick up their cars. In these situations, usually, the towing company gets a new title to the car, and sells it at an auction, with other cars left behind, to make even more money.

Source by [lakajira]

Free Beauty Salon Business Plan Advice

Here and there on the web you will find business plan samples and templates advertised as free for your beauty salon plan. Generally, working off of such a "free" plan is no shortcut towards creating a successful plan and here is why:

Customization Needed

For any template or sample plan there is a need to customize the plan to your specific business. This can be a much longer process if you are starting from a lower quality template or sample plan. You are more likely to find a better quality plan by paying for it, even if it is only $ 50-100.

Additional Guidance

Typically, the creators of a free plan will not have an organization behind them able to give additional consulting and recommendations on how to craft your beauty salon's plan. Getting help like this is very important for all small business owners. It can prevent you from choosing the wrong strategy or opening in a location without a large enough customer market for your salon. A business plan consultant can help answer these types of questions if you are unable to, but you can not get that kind of help for free.

Reputation, Not Price

When choosing a sample or template plan to work off, you should consider the reputation and credentials of the creator of the plan first, before the price that is being charged. A free plan can potentially hurt your chances of success if it shows you an incorrect business plan model. If you use a plan with basic mistakes in its format, style, or content to show funders, you will generally not get a second chance. They will not want to work with someone who plan is not clear, concise and convincing, regardless of whether it is because of the entrepreneur's own ideas or the template they used.

Source by [lakajira]

How IT Managed Services Can Boost Your Business And Result In Profit

Every business organization faces some or the other problems every now and then. Dealing with these troubles on a regular basis can consume a lot of the company’s time, resources and money. One of these problem areas which an organization is likely to face is IT problems. IT difficulties such as constant repair requirement, threat to security of networks and faulty software and hardware can mean spending of extra sums of money on something which can be dealt with quite easily. Yes, there are many IT managed service providers who can provide large or small business IT consulting, computer sales, computer repair and many other such IT related services. Let’s read about how IT managed services can boost a business and help it survive in the long term:

• An IT managed service provider can help in software and hardware related services, computer repair and re installation services and also offers discounted rates of computer sales if you hire it on contract basis. This can greatly reduce your IT related stress and may encourage you to focus on the business goals.

• Another reason how an IT company or a small business IT consulting company can boost your business is by improving overall IT performance which thereby boosts the overall office or work productivity. Strengthened systems and networks mean less time wasted on repair and troubleshooting which thereby results in better profits and improved efficiency.

• If your small or large sized business needs some kind of advice or help regarding IT matters, then the IT service providers can offer consulting services and guide you in the right direction in terms of the equipments to be installed, data backup methods to be utilized and how the network should be monitored.

• Once you hire an IT managed service provider, you can be rest assured that all your IT issues are well taken care of and that you do not need to waste your own time on resolving these problems. This gives you a certain peace of mind and gives you an opportunity to focus on what is really important for you, which are your business goals. This automatically means better revenue for the business and ensures its long term survival in the market.

• Small business IT consulting is an effective way to keep in touch with modern day and advanced technological methods and keeps you well ahead of other companies as far as business growth and development is concerned.

Now that you are aware of the several ways in which an IT service provider can help you, there must be no doubt left in your mind about hiring one or outsourcing the services. So what are you waiting for, go boost your business!

Source by [lakajira]

Is Your Business a "Service" or a "Brand"?

Do you remember the early cell phones?

The first one was made available to the public in 1984 (the year I started my business). It weighed an unimaginable 1.75 pounds and earned the nickname “The Brick.” It cost $4,000 and had a battery life of only 30 minutes!

But do you recall the brand of this cell phone?

Almost nobody does, because when a new product enters the market, branding isn’t important. Instead, the new product is compared to what came before – in this case the “wired telephone.”

And all the selling points of this new product were about the advantages of the new technology.

But this doesn’t last very long. New products in the same category enter the marketplace with new and improved features and performance.

That’s when the marketing shifts from being marketed as a new “Product” to being marketed as a new “Brand.”

New cell phones were no longer compared to wired phones, but to other cell phones. And what was emphasized were all the new features of that cell phone.

Then, of course, with the iPhone, cell phones became “smart phones,” a whole new category with new branding opportunities.

In 33 years we’ve gone a long way from “The Brick” to Apple’s “iPhone 10.” And it’s hard to avoid the massive marketing of this device and comparisons it to its closest competitor, the Samsung “Galaxy S9.”

What’s true for products is also true for professional services.

We’re all familiar with legal, architectural, accounting, medical, and engineering services.

Once upon a time (in most cases, hundreds of years ago), these services were new and were touted as something truly different.

But as time marched on, these services became differentiated through specialization. Now, for each of these professional services, there are an endless number of specialties.

For instance, I go to a dentist who practices “general dentistry,” but if I need a root canal, a tooth extraction, or dentures, I’ll be referred to a specialist in that field.

But what about professional coaching services?

I was there at the dawn of professional coaching (sometime around 1990). I actually sub-leased an office in San Francisco from Thomas Leonard, the person who launched the coaching profession on a large scale by offer training programs in becoming a professional coach.

Subsequently, two of his students, Laura Whitworth and Karen Kimsey, started the coaching school, CTI (Coaches Training Institute), and I designed their first brochure.

CTI is still alive and well as are dozens, if not hundreds, of coaching schools that followed in their wake.

Back to Service vs. Brand

At one point, coaching was new and most people had few reference points as to what it actually was. It wasn’t therapy and it wasn’t training. It was kind of like an “individualized growth program designed to help people accomplish more in various areas of their lives.”

And over the years, coaching has diverged into an endless number of specialties. You can find a coach for just about anything, from success achievement, to marketing professional services. (Sound familiar?)

One of the ways you differentiate a professional service such as coaching is by the clients you work with and the results you help them accomplish.

But as a profession matures, that is no longer enough.

Sure, consumers want to know whom you work with and how you can help them. But how do they choose between professional coaches who seem to offer almost identical services?

It’s not just the service you offer, the clients you work with and the problems you solve. After awhile, that becomes too generic to even matter.

You can’t be generic anymore; you need to be a brand.

Clients are no longer looking for just a coach, they are looking for a coach who stands apart from every other coach.

So, how do you differentiate yourself as a coach (or any other independent professional)?

By your depth of knowledge. Through writing, speaking, blogging and social media you position yourself as trustworthy and more authoritative than the average professional.

By your personal style and approach. Through the look and feel of your website, videos, webinars, etc., you build a know-like-trust factor.

By proprietary methodologies. When you have a different and more effective way of getting results, you stand apart from all of those using older methodologies.

By what others say about you. Good, in-depth testimonials and case studies prove that you not only produce great results for your clients, but are also wonderful to work with.

The overall clarity of your message. It’s not just what you say, it’s how you say it. Your message needs to elicit this response: “He/she is speaking directly to me; they understand me and can help me.”

All this and more becomes your “personal brand.”

If you’re going to succeed as a professional coach or independent professional these days, your personal brand must stand out in a way that is memorable, or you’ll become as irrelevant as the wired telephone.

Cheers, Robert

Source by [lakajira]

5 Types of Business Insurance and Why You Need Them

No matter the size or nature of your business, one thing that remains the same is the need for business insurance. There are many different aspects of your business that you’ll want to take into consideration when looking for new business insurance – or reviewing your current insurance coverage. Since every business is different, each one will have different insurance requirements. For example, a company that produces physical goods may need different insurance than a company which offers services. In either scenario, there are some similarities, and listed here are a few types of insurance that all businesses should consider.

Workers’ Compensation Insurance – for your employees

Workers’ Comp insurance is required by law in almost every state. It can provide coverage for medical costs and a portion of lost wages for an employee who becomes injured or ill on the job. Typically, this type of insurance only covers injuries or illness that occur on the job site – for example, if an employee slips and falls on a wet floor.

Since the laws regarding Workers’ Comp can be different depending on where your company is located, it’s important to work with an insurance professional to make sure you’re getting the coverage that’s required, as well as what you need for your particular business.

General Liability Insurance

General Liability Insurance is designed to protect you and your business from a variety of claims, including accidents, injuries, or claims of negligence. This type of insurance can help pay for things like property damage, medical expenses, libel, slander, legal costs, and faulty products. No one expects to get sued, but the reality is that it’s always a possibility. You don’t want to leave your business open to these types of situations, and the broader the protection, the better.

Professional Liability Insurance – “Errors and Omissions” coverage

Professional Liability Insurance can also be known as “Errors and Omissions Insurance,” or “Malpractice Insurance.” It protects you from lawsuits that allege negligence in providing professional services, providing shoddy work, or making mistakes or omissions. This type of insurance is particularly important if you have a service-based business, but can also be necessary for other types of businesses as well. Mistakes happen – so adequate Professional Liability Insurance can be helpful, even if you don’t think you’ll need it.

Property Insurance

The definition of “property” is broad, and can mean different things to different types of businesses. That’s why it’s important to make sure you carry adequate Commercial Property Insurance. Without this type of insurance, most small businesses wouldn’t be able to replace their equipment should something happen to cause damage or destruction. Property covered by this type of insurance can include buildings, computers, inventory, supplies and equipment. There are two types of Property Insurance: “all-risk” policies cover just about everything, and is a good way to avoid duplication or overlap of coverage, as well as gaps in trying to cover your liabilities. “Peril-specific” policies, or “named-peril” coverage applies only to particular perils that are specifically named in the policy. They’re usually needed when there is a high risk in a very particular area.

Life Insurance / Key Executive Insurance – protection and benefit

Offering life insurance for employees can be a valuable benefit when trying to attract high-quality employees. A business can even offer additional coverage for executives. These employees are deemed to be crucial to the running and success of the business, and may sometimes require additional insurance, above and beyond what the normal employee benefits provide. This can be another benefit in attracting top talent.

A business can also offer special “Key Person” policies for employees without whom the business could not function. Key Person Insurance protects against a key employee’s unexpected death – often times the benefit amount equals the expected revenue loss and costs required to find and train a suitable replacement. The business pays the premiums, and the insurance is considered a business asset.

It’s possible to combine some of these basic coverages as a package policy, often referred to as a Business Owner’s Policy, or BOP. Many insurance companies bundle certain coverages, and this can save you money, as long as you make sure you get the proper type of coverage.

Even if you feel you have adequate business insurance coverage that meets all your current needs, it’s still advisable to review all your coverage on an annual basis, to make sure that your coverage continues to provide everything that you need. This is particularly important if you or your business have experienced any major changes, such as change in family status, or a significant increase or decrease in business activity. Additionally, be sure to work with a reputable, licensed insurance agent or broker, who has knowledge regarding business like yours.

Source by [lakajira]

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